Credit Risk Analyst II at TreviPay

At TreviPay, we believe that true loyalty begins at the point of payment. For four decades, we have supported leaders in manufacturing, retail, and transportation by providing a global B2B payments and invoicing network that simplifies commerce. Thousands of sellers rely on our platform to offer convenience to their buyers, open new markets, and automate complex accounts receivable processes. Our team thrives in a supportive, entrepreneurial environment where every individual is empowered to solve unique challenges, and we are looking for a dedicated professional to help us continue driving sustainable growth.

The opportunity

We are seeking a Credit Risk Analyst II to join our best-in-class risk team. In this role, you will take ownership of credit limit decisions for small business applications that fall outside of our automated thresholds. You will serve as a key decision-maker, utilizing your expertise to evaluate fraud risk and creditworthiness while adhering to our established policies. This is a senior-level position where you will not only exercise your own credit approval authority but also act as a mentor to junior team members and occasionally step into leadership responsibilities when necessary.

A day in the life

• Review and adjudicate complex credit applications for small businesses across multiple countries, ensuring all decisions are well-documented and compliant with regulatory standards.
• Collaborate with internal partners and external clients to gather necessary information, mitigate fraud indicators, and promote effective collection strategies.
• Contribute to the broader team by helping develop new program policies, participating in ad-hoc projects, and providing guidance to less experienced analysts.

Who you are

You are an analytical thinker with a deep understanding of commercial credit philosophy. You possess the following qualifications:

• At least 5 years of experience in small business credit application adjudication, specifically within grey area or manual review environments.
• Advanced knowledge of finance and accounting, supported by relevant college coursework or bank-sponsored training.
• Demonstrated experience managing individual credit authority of at least $50,000.
• Strong verbal and written communication skills in English, with the ability to articulate objective, data-driven views.
• A collaborative spirit and the ability to work effectively within a hybrid team structure.
• Preferred experience includes international commercial fraud assessment and background in the credit card or indirect lending industries.

Why you'll love it here

We are committed to the well-being and professional growth of our employees. When you join our team, you will have access to a comprehensive benefits package designed to support your life both inside and outside of the office, including:

• Medical, dental, and vision insurance plans.
• Life, disability, and employee assistance programs.
• A 401k retirement plan to help you plan for the future.
• Generous paid time off and flexible hybrid work arrangements.